You bought with your heart, insure with your head.

Masterpiece®

An example of how Chubb pays claims

On the way to a wedding the 356 was hit by a lorry coming out of a side turning. Fortunately, no one was hurt but the damage was extensive.

With Masterpiece®... We chauffeured the client and his wife to the event, and then took the car to the garage of his choice, one that he always used and trusted. The repairs were estimated at just shy of £70,000.

Most insurers insist on writing-off a car if its repair cost

exceeds a certain percentage of its value. Chubb prides itself on being more flexible.

We did offer the option of a £100,000 agreed value cash payment. However, because of the car’s sentimental value, he chose repair. In view of the size of the claim we classified it as a total loss, so there was no excess to pay.

For the repair we insisted on original manufacturer parts, where possible, including panels.

The car was repaired and returned in perfect order.

With an ordinary policy... The 356 would probably be declared a write-off, and the client offered so-called ‘market value’ – likely to be less than £100,000 – minus an excess.

A client’s classic car collection included a 1962 Porsche 356B Twin Grille – that he bought some years ago and has lovingly restored.

Better overall cover

If your car is written-off or stolen:

• With our ‘agreed value’, we’ll pay you the full insured sum with no excess not a depreciated ‘market value’.

• Also, if your car is under 15 years old and its replacement cost exceeds your agreed value, we will pay up to 150% of the agreed value – to help you buy a like-for-like replacement.

As well as for driving your car, you’ll be comprehensively insured for:

• Driving any car you don’t own (incl all experienced named drivers over 25).

• Lending your car to anyone not living with you.

• Business trips (except hiring your car for a fee).

• Driving in Europe at any time.

If you break down:• You’ll have Europe-wide breakdown

cover, including HomeStart.

Fairer accident cover

Features Include:

You can choose your own repairer not one that we specify. In addition, if your car is over 15 years old, we will, if necessary, pay up to 25% (max £100k) above the Agreed Value to restore it.

Our unique Diminution In Value cover is another special feature for cars over 15 years old. If the value drops as a result of a repair following a claim, we will reimburse the difference.

We provide a comparable courtesy car not a miniature version. Unlike many others, we also offer a courtesy car after fire or theft.

We insist on original manufacturer parts, where possible, and no deductions for wear and tear on replacement parts, like tyres.

If we can’t match wheels or upholstery, we’ll replace the whole set.

Masterpiece®

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Voted number one for quality of cover and claims serviceChubb has been voted number one for quality of cover and claims service since 2014 in the Insurance Times UK Broker Survey. To find out what makes our cover so exceptional, ask your broker for a Chubb Masterpiece policy or visit us online at chubb.com/uk/privateclients

All content in this material is for general information purposes only. It does not constitute personal advice or a recommendation to any individual or business of any product or service. Please refer to the policy documentation issued for full terms and conditions of coverage. Chubb European Group SE (CEG) is an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. CEG has fully paid share capital of €896,176,662. UK business address: 100 Leadenhall Street, London EC3A 3BP. Supervised by the French Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09) and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. You can find details about the firm by searching ‘Chubb European Group SE’ online at https://register.fca.org.uk/